I wrote a piece on this a month or so ago: http://gendal.wordpress.com/2014/08/09/a-simple-explanation-of-fees-in-the-payment-card-industry/

It's just one example - and note the comments at the bottom:  the breakdown between participants can easily go the other way too.

My piece on the structure of the payment cards industry is here:  http://gendal.wordpress.com/2014/07/05/why-the-payment-card-system-works-the-way-it-does-and-why-bitcoin-isnt-going-to-replace-it-any-time-soon/